Ok, so I had my bankruptcy discharged back in august. This one credit union was reporting incorrectly, not a problem, filed dispute and got it removed from TU, and EX. EQ refused to remove it, instead they modified it to “Current-Open-Over balance by 120%” So awesome, now I have a credit report showing 120% utilization! I’ve tried to dispute it online several times but they kept confirming it. Last dispute ended in first week of september. I contacted the original credit union and they, after a very heated argument agreed to provided me with a letter stating I had no open accounts with them. They also said that it can take up to 90 days for the CRA to correct the information.
My question is should I:
1) refile an online dispute and attach this letter
2) file a snail mail dispute
3) just wait a couple more months to see what happens?